I got one, too. Before I have it replace, I'm waiting for more rocks to hit the windshield. Makes no sense to me to replace it and get another rock in the windshield when I go to Vegas.
What I was told is to look in the yellow pages for replacement windshields (look under windshields) and find a ad that states something like "Free windshield, deductible waived" where the shop will wave your deductible, the insurance company and the windshield place absorb the cost. You get a free windshield.
I haven't done it yet but I spoke to two people at my work and they did it. They were the people that told me to look for these ads. I found one in my town, too, so I'll be using that in another month or so.
Here's some info for you: http://www.achickandawindshield.com/insurance-pays.htm
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